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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $95,413 | $48,570+96.4% | $130,660-27.0% | $72,975+30.7% |
| Participation rate | 55.6% | 58.6%-3.0pp | 71.7%-16.2pp | 69.5%-13.9pp |
| Annual return | 21.46% | 38.63%-17.2pp | 1709.29%-1687.8pp | 81.01%-59.6pp |
| Employer contribution / active EE | $1,853 | $1,334+38.9% | $4,092-54.7% | $2,440-24.1% |
| Participant deferral / active EE | $3,439 | $2,384+44.3% | $3,603-4.5% | $3,608-4.7% |
| Admin fee / account holder | $8,462 | $3,549+138.4% | $5,463+54.9% | $5,124+65.1% |